Compare Cards: Choice Privileges Mastercard® vs. Hilton Honors American Express Card vs. IHG One Rewards Credit Card

Swipe →

Earning Rates	Choice Privileges Mastercard® Wells Fargo hotelno-annual-fee Details	Hilton Honors American Express Card American Express hotelno-annual-feeno-foreign-transaction-fee Details	IHG One Rewards Credit Card Chase hotelno-annual-fee Details
First-year value Welcome offer + annual credits − annual fee	+$360	+$350	+$665
Annual Fee	Waived	Waived	Waived
Credit Required	Good	Good	Good
Foreign Fee	Waived	Waived	Waived
Welcome Offer	60,000 pts 60,000 bonus points after spending $1,000 in first 3 months (enough for up to 7 free nights) Spend $1,000 in 3 mo	70,000 pts Limited-time offer: Earn a Free Night Reward + 70,000 Hilton Honors Bonus Points after you spend $2,000 in eligible purchases on your Card in the first 6 months of Card Membership. Offer ends 1/13/2027. Spend $2,000 in 6 mo	125,000 pts Launch offer: earn 125,000 bonus points after you spend $2,000 on purchases in the first 3 months from account opening. Spend $2,000 in 3 mo
Network	mastercard	amex	visa
Earning Rates
All Other Purchases	1× 1x point on all other purchases	—	1×
Chase Travel	—	—	3×
Choice Hotels	10× 10x points on Choice Hotels stays	—	—
Dining	2× 2x points on dining purchases	3×	—
Gas	—	3×	—
Gas Stations	3× 3x points on gas station purchases	—	3×
Groceries	—	3×	—
Grocery Stores	—	—	3×
Hotels	—	7× At Hilton properties	—
IHG Hotels & Resorts	—	—	17× 17x total points per $1 at IHG Hotels & Resorts (5x from card + 6x IHG members + 6x as Platinum elite)
Other	—	1×	—
Restaurants	—	—	3×
Benefits & Credits	Other Benefits Automatic Gold status: Automatic Choice Privileges Gold status (15% point bonus on stays) Cell phone protection: Cell phone protection up to $600	Hotel Status Hilton HonorsGold	Annual Credits DoorDash Non-Restaurant Credit - Up to $10 off one qualifying non-restaurant DoorDash order each calendar quarter (DashMart, 7-Eleven, CVS, Safeway, etc Other Benefits Automatic Gold Status: IHG Rewards Gold status (20% bonus on base points, priority late checkout) Fourth Night Free: Fourth night free on award stays (automatically applied) No Foreign Transaction Fees: Use card internationally without FTF
Insurance	Secondary Purchase Protection Extended Warranty		Trip Cancellation Trip Delay Secondary Purchase Protection Extended Warranty